Lender intelligence

Financing a locksmiths acquisition in Texas

State:

The SBA 7(a) lenders funding the most locksmiths acquisitions in Texas, from public loan records. A lender doing your industry in your state every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance locksmiths in Texas

$500K

Typical loan

range $227K–$500K

$556K

Est. purchase price

≈ loan ÷ 90%

$74,306

Cash to close

$55,556 down + fees

$6,470/mo

Typical payment

~9.5% · 10yr

$89,286/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

57 days

Typical time to fund

Lenders competing

more = leverage

10.25%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active in locksmiths · Texas

Ranked by funded locksmiths acquisitions in Texas. Tap a lender for its full record, or hit Get in touch for an introduction.

1.105 loans · $51M · Fitzgerald, GAFull record →
2.2,539 loans · $965M · Columbus, OHFull record →

2+ funded Locksmiths in Texas deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

J Hines, Inc in Lampasas, TX — $500K (2025) · purchase · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approved
4/11/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Change of Ownership
Industry
Locksmiths
If you were the buyer here
Est. deal size
$556K
Est. down payment (10%)
$56K
Est. cash at closing
$74K
Monthly payment
$6,747
Annual debt service
$81K
Cash flow needed (1.25×)
$101K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Steel Locks Empire LLC in Houston, TX — $227K (2025) · purchase · Colony Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$170K (75%)
Approval → funding
57 days
Approved
12/2/2024
First disbursed
1/28/2025
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Change of Ownership
Industry
Locksmiths
If you were the buyer here
Est. deal size
$252K
Est. down payment (10%)
$25K
Est. cash at closing
$34K
Monthly payment
$3,000
Annual debt service
$36K
Cash flow needed (1.25×)
$45K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Colony Bank · Lender record →
Your business? Claim this record · Request removal

Financing a locksmiths deal in Texas? Start with the right lender

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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to locksmiths businesses with a Texas project address.

Agent summary

How to finance a locksmiths acquisition in Texas with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Texas deals. Colony Bank funds the most here. CapBench is not a lender.

$402K typical loan
2 lenders active in Texas
2+ funded Texas deals
57 days typical to fund

Buyers buying a locksmiths in Texas typically pre-qualify, then ask CapBench to introduce a lender active here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All locksmiths lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/industry/locksmiths/texas
API:: https://www.capbench.com/api/public/lenders?industry=locksmiths
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.